ICICI Lombard Complaints & Reviews

Subject: Claim No. - BLC-08-08-CN-L26117 for Health Insurance Policy
Reference: Policy Number 4034/ RIS/ W-182637/ 00/ 000

I sent my claim papers on August 19, 2008 and since then I have been struggling to get response from TTK. I have never seen such unprofessional and careless Customer Service. I am fed up with dealing with TTK.
I wish I would have drained my money in sewer, rather than buying policy from ICICI Lombard. I trusted ICICI’s and Lombard’s name/ reputation and was deceived. I was robbed and cheated.

Is there any hope left at all that the case will be closed and I will get re-imbursement?

Below are the events in chronological order:

August 19, 2008: Claim papers sent to TTK.

September 02, 2008: TTK sends an email to my mobile saying “Your claim no. BLC-08-08-CN-L26117 is pending due to shortfall of documents. Detailed letter dated 2 September, 2008 has been sent ……. “ . The letter was never received. I followed up with an email on September 11, 2008 and with a letter on September 14, 2008 – No response. As of today, I have never received the letter.

October 03, 2008: I remind TTK again by email.

October 07, 2008: I receive an email from TTK asking for more documents.

October 10, 2008: One of the documents – indoor case paper, comes from hospital, which require a letter directly from the insurance company. I asked TTK to send a letter to hospital directly. Obviously they never received the letter, despite me reminding TTK through registered letter on October 18, 2008 and email on October 19, 2008.

The reply containing documents required was sent by email with attachments and registered post on October 19, 2008. No response from TTK.

October 28, 2008: I email TTK asking grievance reporting procedure – No reply.

October 29, 2008: I revive an SMS from TTK saying a letter will follow. As of today, I have never received the letter.

November 06, 2008: I reminded TTK that I received no such letter.

November 11, 2008: TTK replies with some other person’s details wrong policy number in the email. I ask them to refer to the correct policy number.

November 15, 2008: TTK replies with the same email as of October 07, 2008. I reply saying that the documents have already been sent and scan the acknowledge receipt of October 07, 2008 delivery.

November 19, 2008: TTK replies saying it will forward the email to the concerned department.

November 19, 2008: I email TTK asking grievance reporting procedure – No reply

November 26, 2008: I complain to ICICI Lombard, Get a Complaint ID: [protected]

November 28, 2008: ICICI replies – same old TTK reply copy and pasted. I reply back explaining that the documents they are asking have already been mailed to them by registered post on October 19, 2008, along with an email to TTK with the scanned images of the documents

November 28, 2008: Since I am totally hopeless from both ICICI and TTK, I again mail the letter and send an email with the documents.

November 29, 2008: ICICI’s email: I get a Complaint ID: [protected] and ‘am told a decision will be made within 7 days.

December 04, 2008: Another automated email from ICICI, saying that the request has been forwarded to the concerned department (were they sleeping uptill now?) and will revert back shortly.

December 08, 2008: No response from ICICI or TTK, seven days promise has passed. I had better put fire to my money rathen than buying a policy from ICICI Lombard.

my name is lokender chaturvedi, i am having one ICICI credit card, one executive of i dont know weather from which ICICI had called me and tod me regarding mediclaim policy offered by ICICI lombard, and on telphone i like the policy and said yes to the policy on verification call. but after i realise that they are simply deducting money from my account bcouse no official documents have been recived by me till date it is almost 7-8 installments have been deduted. as i dont have any details i am not able to contact them also

please help me
Lokender Chaturvedi
[protected]

I have always been apprehensive with ICICI lombard due to a horrid experience that my friend had to go dealing with them.
Everything seems to be great before signing up for any insurance, but from the moment you have signed up and money paid up, trust me you will hate the customer service for any query or follow up.

I recieved a call on 22nd Nov and over phone they convinced me to sign up for Family Protect Premier policy wherein they mentioned that they would allocate Rs. 6732 from my credit card and deduct this on a monthly EMI for 24 months. I gave my approval. Subsequently i realised that, they had not allocated, but debited Rs.6732 from my account which was supposed to be payable by me immediately.
Subsequently i called up the same number that i recieved the call from, wherein the customer care guy had a tough time understanding anything in English first of all, later he just kept on saying that you have to check with the credit card bank.
Now when ICICI lombard has undertaken the commitment of converting it to EMI's, why should i call up the credit card company pleading to convert it to EMI's (wasnt that already commited).
Subsequently i mailed the customer care and interactin with one Ms.Shanaz, who first replied saying that the amount would be converted to EMI's (will be done) .Subsequently when i realized that it was not done and mailed he back. She replies that i need to contact the credit card bank. The same stuff which the lesser intelligent customer care guy mentioned. In the process, I have lost of my man hours and mental peace.
I have finally got my policy cancelled and now muct wait and see when they would reverse the amount or if at all they would.
I am planning to take this up legally, since I have recorded the telecon as well as the emails.

Today in my credit card bill I found two fraud entries generated by ICICI LOMBARD GIC LTD 24. I never gave my concern by telephone or by written to purchase these insurances. On talking to ICICI LOMBARD phone banking officer on 11:20 pm, she informed that there are two policies, one on the name of Haresh Modi and Suresh Modi.And second policy is on the name of Rita Modi, Shyam Modi, Vikalp Modi and some other unknown names. Suresh Modi, Shyam Modi, Vikalp Modi and other names are not known to me and none of them are any of my family members. This is one type of cyber crime and this incident has mentally disturbed me for the whole day and this is one type of harassment on ICICI credit card customer. Today I talked to ICICI and ICICI LOMBARD phone banking officers several times but got no satisfactory reply from any of them.And finally at 11:20 pm I talked to one of the Lombard phone banking officer named Durga and she gave me two request number as follows:[protected][protected]. This is my appeal to resolve this matter as soon as possible. This is my humble request to you to inform me about the action taken against the fraud that took place with me.

From,
Haresh C Modi,
Ahmedabad
380054

policy number: 4063/HAP/W-330925/00/000
Complain no: 3398674

I had purchased one health advantage policy on 08-Sep-2008 but it was canceled the very next day due to some medical reason. i made payment through netbanking facility. when i first called up customer care, they told me that within 7 working days, amount will be credited back to my account. that didn't happen within 7 working days. i checked with my bank regarding this, they told me that no such amount has been credited to my account.

then again i called to customer care, they told me that a cheque had been dispatched to my mailing address through blue dot POD: [protected]. when i phoned to blue dot, they told me that they could not find my address ( what a silly excuse!!- my house is on main road and its very easy to find out), i said them that my house is very easy to find out, , then they said that icici lombard didn't provide any contact number, so they could not contact me ( Why icici lombard didn't provide my contact number to blue dot??????????????? at the time of purchasing my police i had given my mobile number and land line also.. )

truth behind all this blue dot's story is that, they actually didn't come to my address to deliver my cheque... i was there at my house all time and my neighbors were also there...

they returned my cheque to icici lombard. after that i have been calling to customer care and all the time i here same words that " Sir, we are taking your complain on a high priority basis and our senior executives will look after your complain and you will get your cheque within 7 working days"
I am fed up with these words as nothing happens. and when i called back to find out status of my refund. i get to here same words.

i had sent one email regarding this to [protected]@icicilombard.com .. but i didn't received any feedback.they promise me all the time a call back from senior executives within 24 hours but that too never happened.

I had given my resident address for my cheque to be delivered. but after a month of waiting and call backs, i didn't received my cheque.

One of their customer care executive told me that if you can go to our branch then you will receive your cheque so much fast, when i called a month back.so i said them to send my cheque to that branch and i will collect it from them.

after this new address i have called to customer care 50-60times .. all the time they told me the same highlighted magical line above mentioned.


Now its been more than 2 months and still i have not received my refund amount for the policy that was canceled by them.

Respected Mr. K.V. Kamat,


I got a call from your office saying that I will get only 60% of the money. Let me warn you once again, that I will not pay a single penny of ICICI Lomabard cashless health insurance.

I am repeating again that I was cheated by your officials who said that Hinduja hospital accepts the cashless card and when I went there to admit my mother they denied the same. Her policy no. 4034/FPP/04029547/00/000 as well as other policies of my sister, wife and myself should be stopped with immidiate effect. This has happened because of the intention of cheating the public on the part of your xecutives and to sell more health insurance policies.

I will also have to charge the bill of 5 Lacks incured by me towards the hospitalisation of my mother from your company. But if you forcefully deduct even a single rupee from my credit card account and do not refund my 100% money I will have to take stern legal as well as criminal action against your company.

The executive who sold me the policy was Mr.Ali and his cell no. is +[protected] who is now not ready to pick up my cell and answer me properly as now the policy has been sold. This is the kind of customer relations and support you guys maintain with your prime customers (I have the ICICI paltinum card).

I hope you will take this e-mail positively and dont throw out Mr. Ali from his job. That is not my intention. My intention here is to bring to your notice what all frauds are happeneing and that your customers should get justice.

Also a suggestion here is to kindly publish the ceo's and directors email id's in public communication tools like news papers, magazine, etc. so that we can directly contact you guys and that you are aware of what all rubbish is happeneing in your company.

Kindly reply me with my total refund and apaology letter ASAP.


[Kamath.[protected]@icicibank.com, Kamath.[protected]@icicibank.com, Vohra.[protected]@icicibank.com, Chandrashekhar.[protected]@icicibank.com, Jigar.[protected]@icicibank.com, Umang.[protected]@icicibank.com, Guruprasad.[protected]@icicibank.com]

Sir, I have a Spark LS of August 2007 Model and for 2008-09 I took comprehensive Insurance from ICICI Lombard. My car developed small dents on both sides due to a minor accident in Outer ringroad. I took my car to Metro Motors, Vasant Kunj on 15th November, 2008 and my car was surveyed by ICICI Lombard on 18th November, 2008. They said that they are convinced with the claim and on 19th November, 2008 I received a call that only dents on two left side doors of the car has been sanctioned for repair and other dents are not approved as they are OLD ones. When I insured in August, 2008, the ICICI Lombard people took pictures of my car and they very well have the details of dents, if any, at that time. Now they say that the dents on the left and the right side which they refuse to approve, are old ones. I got the dent removed only for the approved sides and do not know where to go. I enquired the Metro GM Motors about the cost for repairing the other dents and was shocked to know that it would cost me around Rs. 20, 000/-. I am totally at loss as to whom to approach and where to lodge a complaint as the top boss of ICICI lombard also did not take my plea in true earnest?

Dear Sir,
I worked with ICICI LOMBARD GIC on the payroll of Teamlease from 17 aug'06 to sep'07 .I received one amount to transffered in my account .I have submitted my application of PF to teamlease in Jan'08.I want to say that, i have not received second cheque of my PF.My PF Number is KN/35224/096579.My employee No. is 119381 in Teamlease.I just want to know the total amount of PF as i got some information from one courier that he has the cheque in my name from Insurance Company.I am not able to trace .Please help me out in this regard as i dnt know where to complain and how to complain.


Thanks
Sarika panwar

Cheating
I received a call on NOV 19th from an agent of ICICI Lombard, and furnished the details of insurance plan, in which i was not interested. I was asked to say "YES" to an atomated call,
i was not clear enough in doing that so i said yes.I am yet to receive my credit card, even before that a sum of 10694 is dedected for this insurance plan, also i received the documents required for joing the plan on 2nd of this month.Its is really frustrating that even before i get my card its been activated and used without my concern.

I request you to cancel the insurance plan and credit card which i am yet to receive.kindly do the needfull..

Sir

I had purchased a Credit Cad from ICICI Bank. Before getting the Card, the ICICI Lombard people came to know of my Credit Card Number. The Call centre executives of ICICI Credit Card had given my Credit Card Number to ICICI Lombard. Later on after calls after calls the executives lured me to take the policy but I rejected their appeals. It all happened in minutes. Finally someone said it was verification call. I clearly told them not to take any amount from the Credit Card during verification Call and now they have cut that part of the call and saying I have purchased the policy. Earlier the ICICI Lombard call centre ignorant girls told me that there would be no cancellation charges. The cancellation executive was very rude and told me that I have to pay Rs. 2, 500 as Cancellation charges.

Even the ICICI Credit Card Division is not co-operating with customers, but that with ICICI Lombard.. I think there is a racket between ICICI Bank and Lombard.

Can anyone advise me how to come out of this. What legal action can be taken against both Credit Card and Lombard so that they will not take everything for granted and CHEAT peope.

Hi,

On Nov 20, 2008 I received a call from ICICI[protected].
He told me that his name is Azhar and your credit card limit can be raise to Rs 1 lac. I asked him How it is possible.
Then he answered, after some time you will receive a call from ICICI executive for verification & in that call you have to say yes against every question and please dont tell them that i was call you.
He also told me, the issuing of health policy is in his own hands, so dont take tension if they will assign you a policy because coming call will be only for verification and after some time i will call back to you and that time i will refuse your policy and raise your credit card limit to Rs 1 lac.
He gave me his no.[protected] for any query.
I replied him OK.

After some time call had come from no.[protected].
I forget the name of person who called.
He said firsty that it is only a verification call. Later on he has started to give information about health policy.
Then he started for asking question like 'Are you ready to take it', 'Wat's your's mobile no, address etc.
Caller told me that, this call is now recording for proof.
You have to give Rs 276 per month till years.
But according to Azhar, i replied yes for every question

Then after finishing of call, i received a sms on my mobile :-
'Dear Praveen, you made a transaction of 5860 on 19-nov-08 on card XXXXXXXXXXX at ICICI LOMBARD.
Available credit limit is 34, 817.31'

After this i was shocked, and tried to call on Azhar's no., but the no. was wrong.

I am ready to pay my every credit card transaction's money but for this fraud i will not pay any single money.

This is a highly disappointing. I will not suggest any of my friends to have an account in ICICI bank any longer.
Praveen.
Pune(Maharashtra)

Dear Sir,

Please find the below mail witch one provide me from a Team Lease com.

As informed earlier that your PF Pension form is submitted to the RPFC
department on the 29/07/2008.


Once the PF form is submitted we do not have any control over (any company for that matter) the PF tracking and status. We ensure before the forms are submitted that they are checked thoroughly to ensure that there is no rejection at a later stage. With the PF office it is impossible to track the status of the PF amount disbursement, once the same is submitted to them. The PF department communicates directly with the associates and not with the company (TL).

We would not be able to commit any time frame on this as this is at the discretion of the PF Authority. Please get in touch with the PF Dept. at your end:


Sent: Tuesday, April 15, 2008 8:44 AM

As informed earlier, you will be getting second cheque that is for pension amount of 8.33% from RPFC Department and your Form 10C is ready to be submitted, once we get the confirmation from the RPFC Department, we will send you the same.

We request to patience for the same.

Warm regards,

Gaja Lakshmi.R



I have submitted my PF transfer application on Jan-2008 to Team Lease com ahmedabad office. Still i have receiven one cheq of my PF amount witch i show on uper mail.
PF NO: KN/35224/095420.

Could you please update my PF status. And also know me a total amount of PF.

Regards,
Nitin Agaja
[protected]

Since dated[protected] to[protected] i was the customer of ICICI Lombard against policy No. or Cover Note # 3005/50695241/00/B00, Policy Issued on[protected]. As my policy was supposed to Expire on[protected] I approached the Corporate office at Alkankar Plaza, 2nd floor, Commercial complex, Plot No. 10, M.P. Nagar, Zone 2, Bhopal Shiksha Mandal, Bhopal-462011, Madhya Pradesh, on[protected] for Renewal of the policy to one of the representative in the corporate office at the above said address.

I paid 900 Rs as cash payment & got renewed my policy from the representative & received the customer copy from him The Cover Note No. of the Customer Copy is 6018619, I was assured that the Original Printed format policy copy shall be delivered or couriered to me at my residential address at 76, Ashoka Vihar, Nagar Nigam Colony, Ashoka Garden, Bhopal (M.P.) Due to Personal reasons I was abroad for the next 2 Months after the renewal of the policy.

Now today on[protected] when again i approached ICICI Lombard for the renewal of my policy which is suppose to expire on[protected], I came to Know that there was no such policy registered against my name with ICICI Lombard.

Sir, This is a case of Sheer Negligence & Mal functioning of ICICI Lombard. If in case any accidents or Mishaps may have occured with me i would have landed in great trouble & jeopardy. I was in a mis conception that my vehicle is Insured for the year against Insurance Norms.

Sir, I would like to file a case against this Multinational Giant Group, a renowned company with NO principles & NO sort of Customer Care.

I was mentally harassed & Misbehaved by the ICICI staff today when i approached the ICICI Lombard office

Pls advice me in this matter & arrange to file a Consumer Forum Case against ICICI Lombard.

For your Information My Vehicle details are as follows.

Name of Vehicle--------Honda Unicorn
Date of Manufacturing[protected]
Vehicle No.[protected] MPO4 NU 7876
Chassis No[protected]

my policy no. is 4034/chc/03554224/00/000
i had submitted my claim on /JULY/08 along with all the original documents as required by the policyafter which i have been continuously pursuing for the status & i get the same reply that the "claim is under process". i recieved a letter for shortfall of documents in SEPTEMBER dated 28/08/08 "which were not required as per the policy instructions regarding requirements for processing the policy" still we managed to get it from the hospital since more than a month had passed & submitted immediately in next week on 11/09/08. again on calling after a week i got the same reply of claim being under process. now when i called in NOVEMBER they are saying again there is shortfall for prior consultancy papers - THAT I HAVE ALREADY SUBMITTED.
as regards to their argument about no mention of back problem in those papers i said "THE REASON FOR PAIN COULD NOT BE DAIGNOSED THAT IS WHY I WAS ADMITTED & IT WAS FOUND FROM THE MRI THAT I HAD PROBLEM IN MY BACK"
i am tired of calling please... look into the matter & let me know i[censored] can process it or "I'LL TAKE BACK ALL POLICIES WITH YOUR COMPANY TAKEN FOR ALL THE MEMBERS."

Hi,

I, Yash Pal Gandhi, Holding ICICIBank Platinum Card # XXXX-XXXX-XXXX-5005, have been contacted by Sumit (Agent of ICICI Lomard) from Telephone Number[protected] @ 10:30 am & 11:06 am in the morning today (04th Nov'08) to offer me the health Insurance policy. I wanted to buy one policy few days back for my younger brother and his family and wanted to get the know the premium charges of ICICI Lombard but the charges was too high for me, therefore, I had requested them that I will check with other insurance companies to compare the premium charges and will get back to you after a day or two.

But somehow I kept receiving the messages from ICICILombard since morning stating that "Thank you for registering with ICICI Lombard 24x7 now you can buy insurance at www.icicilombard.com " but I never asked him to register. And finally I received a SMS @ 4:42 stating that " You have successfully bought family floater Health Insurance from ICICI Lombard. Policy No. 4034/FFH/W-395403/00/000." and immediately I called up ICICI Credit Card division to request them not to pay the payment and have the same reversed. As usual, Customer Care Service (Good for Nothing) kept transferring my call to ICICI Lombard. Simultaneously I kept calling ICICI Lombard also and spoken to Ms. Harsha @ 5:10 pm; Mr. Vijay @ 5:35 pm and Raj @ 6:15 pm. They kept assuring me that nothing to worry and the amount will be reversed with 3-4 working days and the policy is yet not updated on the system. and Finally I got an SMS from ICICI Credit Card division that an amount of Rs. 20, 044/- had been debited to my credit card without taking any approval from me.

This is reduculious. Shame on ICICI Bank.

I hereby declare that if the full amount of Rs. 20, 044/- is not reversed to my credit cards, I WILL NOT PAY SINGLE PENNY TO ICICIBANK WHATEVER THE OUTSTANDING IS.

THERE IS LIMIT OF EVERYTHING IN THE WORLD BUT ICICIBANK HAD CROSSED ALL THE LIMIT OF MAKING FOOL OF OTHERS.

i have taken car insurance from icici lombart but till date i have not recvd my policy paper's .Customer service no not responding i have tried so many times & sales executive purshottam [protected] is not attending my call .everytime he is making new pretends.I am facing very much problem just becoz without policy paper i can not drive my car .I request you to pls help on this .My details given below
Regards
Amitabh choudhary
Add :H-63, gali n. 3 saurav vihar hari nagar ext jaitpur road badarpur new delhi 110044
Dob : 22/09/1984
Pan : AKMPA6951C
Chq Details
Clr date[protected]
Chq n. 291190
Amt 13, 699.00 ICICI LOMBARD GIC LTD
Bank axis bank saket branch

Evan i dont know whon should i report for this i need urgent help on this .I evan cant espect that this kind of company can do like this.

To, Dated: 30/10/2008
TTK Healthcare TPA
AFL House, 3rd Floor, Lok Bharthi Complex,
Marol Maroshi Road, Andheri (East) Mumbai– 400059
[protected]

Sub: Claim No: BLC-10-08-CN-L29647 under Policy 4034/FFH/W-254930/00/000

Respected Sir / Madam,

I am Saleem the Policy 4034/FFH/W-254930/00/000 I already paying my installment on time and I already taken the policy for my (Mother+ Younger Brother + Myself +My wife +My Son) now I am sorry to say that I am totally surprised by seeing your refusal letter by seeing the non sense excuse.

I need any person in my life who have not got the fever in his life and sorry to say you that FEVER is not under the Diseases and second thing you said me Weakness and this is silly thing that Weakness is not coming under the diseases as my mother she works very hard from morning 7 Am to 7 Pm. And another thing you mentioned that she Fallen Down 2 years Back already I said you earlier that due to weakness she got DEHIDRATED and fallen down (As she is regularly traveling with Bus with full of Crowd) And this is also not the Diseases. And I need you to show proof showing that I have violated your company policy. And in Clause 3.1 it is called Pre-Existing Illness.

My child also got fever in his life and myself I got fever and my wife also got fever in our lives and please we are going to withdrawal all our policies as because all o[censored]s got the fever once in our lives. My mother was not alcoholic of fever or Weakness. It is as normal as comes to everybody at normal intervals.

Please submit the proof to Consumer Court or the Court of Law as I am soon approaching to them including Media. Please solve this issue on or before 15/11/2008 or else I will approach to Consumer Court + Court of Law +

Note: I am having proof that she got 6 STRITCHES by falling down and it comes in accident criteria and even though ICICI Lombard is misguiding to public by your employee by giving FALSE PROMISES without full information. Then this is your mistake and due to your mistake why the public should suffer and I am not going to live ICICI like this I will take this matter to all Courts even though I am ready to pay 1 lakh as court fees but I need justice.

All the ICICI Lombard Employees Guiding me with wrong information.Now i dont know what is correct information.Not able to belive even single person from ICICI LOMBARD.I am really dippressed because of this and this leads to mental torture.

I bought insurance policy for my parents from ICICI Lombard on the 21st July 2008. They were supposed to call my parents for the medical check up before they issue the insurance policy. Its been 12 days no calls yet. The money i paid in full for the premium and in a blink of the eye the money was gone from my account. I was like wah wah what a super fast service. But thats all fake they dont bother once they get the money my parents are aged i just wanted some cover for them but ICICI Lombard is putting me through this uncertainty by not doing their job.

Amount paid was Rs 39750. I have complained to different channels but yet to receive a call. Wondering how to get these guys to give me my money back or the insurance activated.

ICICI, This is one of the serious problems that I faced with ICICI service so far in last 3 years

Here are few details for your reference :
My Name : Ansar CP
ICICI Health Card Policy Number : 4034/FPP/03823386/00/000

In July Mr, Ranjith from ICICI Credit Card department contacted me and advised that there is health card which has been generated on my above mentioned credit card and this card is something like a add on service that ICICI provide to the customers those who do good transactions. And also told me that this card already issued for me and the will be delivered in 7 working days and in the meantime I would receive a call from ICICI Lombard for the address verification and to explain other benefits of this card., Ranjith clearly convinced me that this card can be cancelled within 7 days after receiving it by calling him directly on ( 91-[protected]) and also told not contact Lomard for the same wince I will be charged . So I trusted Ranjith since I know him with ICICI since many months as he was the person who used to enquire about if any problems on my credit card and resolve tem . Within two working days after receiving the health card I called Ranjith and asked to cancel the card immediately. Subsequently I have been informed by Ranjith that my health card has been cancelled successfully without any charge. Later after a month / more I have noticed couple of transactions concerned to this health card on my credit card . I got scared a bit and called Ranjith once again to enquire if he has not cancelled my policy yet. To my surprise, another person from the same office attended my call and informed that Ranjith is no more working with ICICI…So immediately I asked that person to give contact of his Team leader and hence I got hold of one Mr.Gopal Krishna ( Team Leader, Employee : code : 7863, ICICI, Nonkampakam, Chennai) . I have been informed by Gopal that Mr.Ranjith has got terminated from the office already since he has been noticed as incorrectly providing service to the customers including me and the core key he used on last days was to make the customers avail Health card form ICICI somehow ( I have recorded this voice already on my phone with knowledge of Gopal and the same can be published to you any time upon request to confim the root cause of this problem ) …listening to this I got really shocked and there after Gopal advised me not to pay any dues related to the health card on my credit card and I would need to continue without paying for an year so that the policy will get cancelled by its own. As I was not very comfortable with this solution I have asked him provide a written statement for the same and he agreed that will be sending in two working days. Since I did not receive any e-mail from Gopal I called him once again to enquired about it and I have been told that he did send the email already but might be undelivered to me for some reason .on the same day he did recalled these two solutions to overcome this problem : 1) cancel my credit card calling customer care 2) or Do not pay health card premiums for one year .As I knew that both will trouble me in future and did not get any response from Gopal there after, I have registered d a complaint with ICICI #[protected] ..Customer care advised me to contact ICIC Lombard for the cancellation of the health policy and I did the same…Since I heard from Lombard that I would be liable for the cancellation charge in anyway and I really want to be liable for the same since it was not my mistake at all, I have approached ICICI, Koramangala, Bangalore branch and got the contact of Mr. Sajith Mahadevan, Assistant Manager, Bommanalli Branch, Bangalore …On first day Sajith explained the proper procedure to tackle this by contacting Lombard and he did tell me that he will be able cancel all my dues on Credit card once Lombard cancel the policy from their end .Hence I approached ICICI Lombard once again for the cancellation through SR#23100889.later I heard form from Lombard that I will liable for the cancellation charge and its will be nearly 14000 including last moths premiums and the same need to be paid by cash .I contacted Sajith again and explained him the situation …Later as was unsure on how to tackle this and help me, he provided a contact of Mr.Ranjit Raman, MG Road Office, Bangalore[protected] . I contacted Ranjith and explained the situation once again …Listening to it I have been asked by Ranjith to write an e-mail to [protected]@icicibank.com to get a proper resolution on this issue .Currently am working with them, , really do not know where will it reach ? I might require your help on this